The worker $($man$)$ aged $30$ wishes to accumulate a fund for retirement by depositing $1000$EU at the beginning of each month for $35$ years. Starting at age $65$ the worker plans to make withdrawal at the beginning of each year, as long as he is alive. Assuming that he's survived the investment period $(35$ years$),$ find the amount of each withdrawal if the effective rate of interest is $7\%$ during the first $35$ years but only $5\%$ thereafter. $($Hint: generalized equivalency principle: expected value of the accumulated payments is exactly the same as expected value of the discounted payments $-$ equivalency constructed at the time when for example the worker is $65$ years old$)$